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Journal articles on the topic 'SME Banking'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Karadag, Hande, and Vedat Akman. "The Role Of Cross Selling In SME Banking: An Analysis From Turkey." EMAJ: Emerging Markets Journal 5, no. 1 (2015): 82–92. http://dx.doi.org/10.5195/emaj.2015.71.

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Non-lending activities in SME financing is a phenomenon whose significance has recently been recognized. Provision of different products and services to companies is becoming an important profit center for banks serving SMEs and the supply side of SME financing has been experiencing a shift towards fee-based products and services, mainly due to the risks and challenges associated with SME lending. Despite these important developments in the industry, there are a limited number of studies that focus on the bank activities related with cross-selling to SMEs. This paper aims to address this gap i

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2

Nyangara, Davis. "SME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabwe." World Review of Business Research 3, no. 4 (2013): 219–30. https://doi.org/10.5281/zenodo.2548341.

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This paper examines and tests the claim that bank lending technologies are responsible for the low volume of lending to SMEs in Zimbabwe. Based on a survey of directors of SMEs and bank lending officers, tests are conducted to determine if there is any evidence of discrimination against SMEs based on age, management, size, and information attributes. The study reveals that application of uniform lending criteria to SMEs and large corporates does not result in discrimination against SMEs based on age, size, management, or information attributes. Based on this evidence, the study submits that di

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Adesemoye, Oluwasola Emmanuel, Ezinne C. Chukwuma Eke, Comfort Iyabode Lawal, Ngozi Joan Isibor, Abiola Oyeronke Akintobi, and Florence Sophia Ezeh. "Optimizing SME Banking with Data Analytics for Economic Growth and Job Creation." International Journal of Social Science Exceptional Research 3, no. 1 (2023): 262–76. https://doi.org/10.54660/ijsser.2023.2.1.262-276.

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Small and Medium Enterprises (SMEs) are pivotal to economic growth and job creation, contributing significantly to global GDP and employment. However, many SMEs face barriers to accessing tailored banking solutions, which impedes their growth potential. Data analytics presents a transformative opportunity to optimize SME banking by offering personalized financial products, improving credit risk assessment, and enhancing overall customer experience. This paper explores the integration of advanced data analytics into SME banking, emphasizing its role in fostering economic development and job cre

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Hamzah, Ahmad Aizuddin, Norhazlina Ibrahim, Amir Shaharuddin, and Sumaiyyah Abd Aziz. "SME ACCEPTANCE ON ISLAMIC SME FINANCING, AN OVERVIEW FROM ISLAMIC BANKING ATTRIBUTES." iBAF e-Proceedings 11, no. 1 (2024): 372–80. http://dx.doi.org/10.33102/qv67fx32.

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This paper aims to integrate the theory of planned behavior—focusing on the variables of attitude, subjective norm, and perceived behavioral control—with the concept of Islamic banking attributes, including access to Islamic finance and product range. By doing so, it proposes a conceptual framework to determine the preferences for Islamic SME financing. The framework formulation is based on a comprehensive review of literature related to SME financing behavior and Islamic banking acceptance. This paper addresses the critical issue of inadequate financing faced by SMEs, which significantly hamp

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杜, 景凯. "Fintech, Banking Competition and SME Financing Constraints." Advances in Applied Mathematics 11, no. 08 (2022): 5034–43. http://dx.doi.org/10.12677/aam.2022.118528.

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6

Freeman, Peter. "The Competition Commission Inquiry into SME banking." Economic Affairs 22, no. 4 (2002): 5–14. http://dx.doi.org/10.1111/1468-0270.00378.

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Azizah, Siti Nur, and Anissa Arum Lestari. "The Influence of Small and Medium Enterprise Actors’ Knowledge About Sharia’ Banking Towards Their Interest to Use Musyarakah Financing Product." EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam 9, no. 1 (2022): 18–28. http://dx.doi.org/10.54956/eksyar.v9i1.183.

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Micro Small and Medium Enterprises (SME) has an important and strategic role in national scale of economic growth. The development of SME itself often times faces various dilemmas such as budgeting problem that lacks of capital either by numbers or sources. Meanwhile, SME is a great potential market for financial service industry especially bank to distribute financing. Sharia banking has budgeting core product in the form of profit sharing developed in the funding product called musyarakah. One of fundamental factor to attract the interest of SME agent to use the musyarakah funding is to impa

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K., Ratheesh Kumar* &. Dr. P. Pavithra**. "ENTREPRENEURS PERCEPTION ON SME SCHEMES OFFERED BY THE BANKING AND NON BANKING INSTITUTIONS IN COIMBATORE DISTRICT." International Journal of Applied and Advanced Scientific Research (IJAASR) 8, no. 1 (2023): 39–42. https://doi.org/10.5281/zenodo.7906325.

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SME sector is the key area for marking the economic growth in our country. The rise in the SME sector plays an important role, especially in a developing country like our country India. The primary data needed for the study has been collected through well structured questionnaire. The sample size of 105 respondents was selected from Coimbatore District. The selected samples were tabulated and analysed analyzed using simple percentage, Chi square test, standard deviation and ANOVA. The study concluded that Indian Government and Tamil Nadu Government have taken various efforts to improve the eco

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Al Balushi, Yasmeen, Stuart Locke, and Zakaria Boulanouar. "Omani SME perceptions towards Islamic financing systems." Qualitative Research in Financial Markets 11, no. 4 (2019): 369–86. http://dx.doi.org/10.1108/qrfm-06-2018-0078.

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Purpose This paper aims to investigate small and medium enterprises’ (SMEs) owner–managers’ awareness, willingness and perceptions concerning Islamic financing instruments as an alternative sourcing decision in SMEs’ businesses. Design/methodology/approach The research employed mixed methods to gather data. A questionnaire survey was conducted via face-to-face interviews with 385 SME owner–managers operating in Muscat, Oman’s capital city, along with face-to-face discussion on Islamic finance with 86 SME owner–managers. Descriptive and thematic analysis were used to analyse the data. Findings

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Rini, Hana Zunia. "Peran Perbankan Syariah terhadap Eksistensi UMKM Industri Rumah Tangga Batik." Academica : Journal of Multidisciplinary Studies 1, no. 1 (2017): 67–80. http://dx.doi.org/10.22515/academica.v1i1.750.

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This study aims to determine the degree level of Islamic banking participation to support the financial inclusion for the Micro Small and Medium Enterprises (SME). Through the qualitative descriptive approach, with batik Laweyan as its case study, the result revealed that the role of Islamic banking in the existence of SME batik Laweyan still very low, the socialization of their product also minimum, thereby the SME batik Laweyan not interested in doing loan or financing. Some of the influencing factors are Islamic banking considered having complicated in the procedure, unfamiliar term used fo

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Berryman, Mark, Ary Naim, Alice Negre, and Bikki Randhawa. "Benchmarking SME banking practices: What are the lessons emerging?" Enterprise Development and Microfinance 18, no. 4 (2007): 303–14. http://dx.doi.org/10.3362/1755-1986.2007.030.

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Lam, Regan, Suzan Burton, and Hing‐Po Lo. "Customer tradeoffs between key determinants of SME banking loyalty." International Journal of Bank Marketing 27, no. 6 (2009): 428–45. http://dx.doi.org/10.1108/02652320910988311.

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13

Brunner, Antje, and Jan Pieter Krahnen. "Hold-up in multiple banking: evidence from SME lending." International Journal of Banking, Accounting and Finance 5, no. 1/2 (2013): 78. http://dx.doi.org/10.1504/ijbaaf.2013.058094.

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Madrid-Guijarro, Antonia, Domingo García-Pérez-de-Lema, and Howard Van Auken. "Financing constraints and SME innovation during economic crises." Academia Revista Latinoamericana de Administración 29, no. 1 (2016): 84–106. http://dx.doi.org/10.1108/arla-04-2015-0067.

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Purpose The purpose of this paper is to provide a better understanding of the determinants of small and medium-sized enterprises (SME) financing constraints and their impacts on investments in innovation. To explicate these factors, the authors use a general definition of innovation, distinguishing between product and process innovations, and highlight the role played by banking relationships. Design/methodology/approach On the basis of a literature review covering works specializing in innovation, financing constraints, and SME characteristics, a quantitative study is carried out in Spain, us

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Elmira, Mamleeva. "THE EVOLUTION OF SME AND CORPORATE BANKING SERVICES: THE INFLUENCE OF MODERN DIGITAL TECHNOLOGIES." American Journal of Management and Economics Innovations 6, no. 12 (2024): 63–72. https://doi.org/10.37547/tajmei/volume06issue12-07.

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The article highlights the key areas of application of digital technologies to improve the level of service in the corporate banking segment for high-income customers. The study revealed how modern technologies — artificial intelligence, machine learning, blockchain, and cloud platforms — can improve service quality, accelerating the introduction of innovative products. Special attention is paid to their impact on customers' perception of services and the effectiveness of banks' internal processes, which is of current interest in the context of global changes and increasing competition in the

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Paulet, Elisabeth, Miia Parnaudeau, and Tamym Abdessemed. "The SME struggle for financing: a clampdown in European banks post-crisis." Journal of Business Strategy 35, no. 2 (2014): 36–45. http://dx.doi.org/10.1108/jbs-09-2013-0089.

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Purpose – This paper aims to explore how banks have modified their behaviours since the subprime crisis and their influence on credit access for SMEs. Design/methodology/approach – This paper aims to explore how banks have modified their behaviours since the subprime crisis and their influence on credit access for SMEs. Findings – We provide evidence that strategic orientations adopted by banks (both fragile and robust) are quite voluntary and not simply the result of following regulations. Unfortunately, these orientations have hampered SMEs' access to credit. Practical implications – The cor

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17

Engwa, Frank Engwa, Ivan Mboambogoh Yakum, and Samuel Tanjeh Mukah. "The Role of Banking Institutional Services on the Sustainable growth of SMEs in Cameroon." Journal of Economics and Management Sciences 4, no. 2 (2021): p1. http://dx.doi.org/10.30560/jems.v4n2p1.

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Banking institutions have been very instrumental to the growth of Small and Medium Sized enterprises in many developed economies, and they have been considered as one of the principal driving forces for economic development. The case has not been the same for Cameroon as owner managers of these SMEs have been complaining of the limited presence of banking institutions in solving their problems. Mindful of the fact that Cameroon has a growth vision to become an emerging economy by 2035, the country had to take giant steps to boast the growth of SME in the country. Some of these steps were the i

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18

Moss, Gavin, and Peta Thomas. "Evaluating the adoption of e-banking services by SMEs in the common monetary area." International Journal of Research in Business and Social Science (2147- 4478) 11, no. 8 (2022): 202–12. http://dx.doi.org/10.20525/ijrbs.v11i8.2003.

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There has been limited study from a southern-African perspective investigating factors that affect the adoption of e-banking specific to small and medium enterprises (SMEs) in developing African economies. To date, little is known about SME uptake of e-banking in the southern African common monetary area (CMA), comprising South Africa, Lesotho, Namibia, and Eswatini. This knowledge gap is problematic for banks in providing SME support for the transition to e-banking, given the current move by banks toward embracing digital strategies. This study focused on a single bank with a large footprint

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19

Syed Amir Ali and Dr. Syed Muhammad Salman. "Banking in the Digital Era: A Novel Supply Chain Finance Model to Enhance SME Financial Inclusion." Indus Journal of Social Sciences 3, no. 1 (2025): 734–52. https://doi.org/10.59075/ijss.v3i1.805.

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Fintech innovation, Supply Chain Finance, and Stakeholder Collaboration are reshaping access to finance and enabling sustainable growth in banking. New access to financial products is now crucial to bridge liquidity gaps, improve the provision of capital, and enhance financial inclusion, particularly for Small and Medium-sized Enterprises (SMEs). In spite of SMEs contributing significantly to economies worldwide, they mostly endure poor financing due to stringent credit terms and collateral limitations. This study examines the role of Fintech adoption, supply chain financing, and stakeholder c

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Li, Hongyu, Junjie Wu, and Zhiqiang Lu. "Bank diversity and SME innovation: evidence from China." International Journal of Bank Marketing 38, no. 2 (2019): 265–82. http://dx.doi.org/10.1108/ijbm-06-2019-0216.

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Purpose The purpose of this paper is to examine the relationship between bank diversity and small- and medium-sized enterprise (SME) firm innovation in China to evaluate the impact of recent bank deregulation. Design/methodology/approach Using a large data set that includes 8,143 firm-year observations of 1,122 listed SME firms in China and baseline and robustness regression analyses, the authors identify how bank diversity affects firm innovation and via what economic mechanisms. Potential endogeneity problems are considered and addressed in the design and analysis to minimize research bias.

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21

Ibbotson, Patrick, and Lucia Moran. "E‐banking and the SME/bank relationship in Northern Ireland." International Journal of Bank Marketing 21, no. 2 (2003): 94–103. http://dx.doi.org/10.1108/02652320310461474.

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22

Degryse, Hans, Kent Matthews, and Tianshu Zhao. "Relationship banking and regional SME financing: the case of Wales." International Journal of Banking, Accounting and Finance 8, no. 1 (2017): 93. http://dx.doi.org/10.1504/ijbaaf.2017.085324.

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Degryse, Hans, Tianshu Zhao, and Kent Matthews. "Relationship banking and regional SME financing: the case of Wales." International Journal of Banking, Accounting and Finance 8, no. 1 (2017): 93. http://dx.doi.org/10.1504/ijbaaf.2017.10006309.

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24

Mendizabal, Alaitz, Marian Zubia, and Aitziber Lertxundi. "Degree of Guarantee Rationing and Banking Relationship of Spanish SME." Procedia - Social and Behavioral Sciences 109 (January 2014): 753–57. http://dx.doi.org/10.1016/j.sbspro.2013.12.539.

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25

Brei, Michael, Blaise Gadanecz, and Aaron Mehrotra. "SME lending and banking system stability: Some mechanisms at work." Emerging Markets Review 43 (June 2020): 100676. http://dx.doi.org/10.1016/j.ememar.2020.100676.

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26

Arcuri, Giuseppe, and Nadine Levratto. "Early stage SME bankruptcy: does the local banking market matter?" Small Business Economics 54, no. 2 (2018): 421–36. http://dx.doi.org/10.1007/s11187-018-0042-4.

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Jenkins, Hatice, and Monir Hossain. "An analysis of the macroeconomic conditions required for SME lending: Evidence from Turkey and other emerging market countries." Panoeconomicus 64, no. 1 (2017): 77–92. http://dx.doi.org/10.2298/pan140213008j.

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Providing small and medium enterprises (SMEs) with access to external finance has been a major concern for many governments and international organizations for three decades. In recent years the experiences of emerging market countries suggest that a paradigm shift is taking place in SME finance. Particularly in fast-growing emerging market countries such as Turkey, banks are increasingly targeting SMEs as a new line of banking business. This research analyzes how macroeconomic factors have contributed to increased commercial bank lending to SMEs in six emerging market countries: Turkey, Argen

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Sari, Laras Ayu Ditya, Rahmat Mulyana, and Iqbal Yulizar Mukti. "A TOGAF 10-Based Enterprise Architecture Framework for Digital Transformation in SME Banks." Jurnal Teknik Informatika (Jutif) 6, no. 2 (2025): 673–90. https://doi.org/10.52436/1.jutif.2025.6.2.4329.

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The banking sector faces significant challenges in implementing Digital Transformation (DT), particularly among Bank Perekonomian Rakyat (BPR), which serves as SME banks in Indonesia. These institutions often struggle with infrastructure limitations, technological adoption, and regulatory compliance. While existing research extensively examines DT strategies and Enterprise Architecture (EA) frameworks in large-scale banking institutions, their application to smaller banks like BPR remains underexplored. This study addresses this gap by developing an EA- based solution tailored to BPRDCo, a rep

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Fuazi Djibran. "Enhancing SME Growth Through Online Banking Solutions: Opportunities And Challenges In The Digital Era." Jurnal Riset Multidisiplin Edukasi 2, no. 1 (2025): 413–26. https://doi.org/10.71282/jurmie.v2i1.69.

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Small and Medium Enterprises (SMEs) play a vital role in economic development, yet they often face challenges in accessing financial resources and managing operations efficiently. The advent of online banking solutions presents significant opportunities to address these issues by offering financial inclusion, cost efficiency, improved cash flow management, and access to market insights. However, SMEs encounter barriers such as limited digital literacy, inadequate infrastructure, cybersecurity risks, and regulatory complexities in adopting these solutions. This article explores the potential of

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Odio, Princess Eloho, Eseoghene Kokogho, Taiwo Akindele Olorunfemi, Mark Osemedua Nwaozomudoh, Ilerioluwase Emmanuel Adeniji, and Adedamola Sobowale. "Innovative Financial Solutions: A Conceptual Framework for Expanding SME Portfolios in Nigeria's Banking Sector." International Journal of Multidisciplinary Research and Growth Evaluation 2, no. 1 (2021): 495–507. https://doi.org/10.54660/.ijmrge.2021.2.1.495-507.

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Small and Medium-sized Enterprises (SMEs) are pivotal to Nigeria’s economic development, contributing significantly to employment generation and Gross Domestic Product (GDP). However, their growth is constrained by limited access to financial resources, poor credit facilities, and inadequate support from financial institutions. This paper presents a conceptual framework for expanding SME portfolios in Nigeria’s banking sector through innovative financial solutions. The framework integrates advanced technologies, strategic financial modeling, and collaborative partnerships to address the challe

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Dean, Ramdhan Wibawa. "Customer Lifetime Value (CLV) in SME Banking: Strategic Branding and Relationship Building." International Journal of Current Science Research and Review 08, no. 05 (2025): 2324–28. https://doi.org/10.5281/zenodo.15463068.

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Abstract : Customer Lifetime Value (CLV) is a critical metric for understanding the long-term profitability of customer relationships in the banking sector, particularly for Small and Medium Enterprises (SMEs). This study explores the role of CLV in enhancing brand loyalty, customer retention, and strategic growth for Septemberbank in the West Java region. By integrating branding theories, relationship trust models, and qualitative insights from Septemberbank’s internal and external stakeholders, this paper identifies key drivers that influence CLV and proposes actionable strategies for

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Alekhnovich, Anastasia O., Leonid L. Anuchin, and Anton O. Akhiev. "Using banking statistics to assess the SME sector in the Russian Federation." Scientific Works of the Free Economic Society of Russia 227, no. 1 (2021): 161–81. http://dx.doi.org/10.38197/2072-2060-2021-227-1-161-181.

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With the development of technologies for collecting, processing and storing data, many countries started to upgrade the systems of official statistics, complementing it with big and administrative data. One of the most detailed and operative sources of data on the economy is banking statistics. The article presents the results of a comparative analysis of the data of the SME Growth Index, formed on the basis of the data of Sberbank, and the data of the Federal Tax Service of the Russian Federation. The analysis showed that the data of banking statistics correspond to the data of the Federal Ta

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H. N. BniLam, Ali. "IMPACT OF BANKING DISTRIBUTION ON SME FUNDING: THE CASE OF IRAQ." International Journal of Research in Social Sciences and Humanities 11, no. 1 (2021): 261–71. http://dx.doi.org/10.37648/ijrssh.v11i01.016.

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Dong, Yan, and Chao Men. "SME Financing in Emerging Markets: Firm Characteristics, Banking Structure and Institutions." Emerging Markets Finance and Trade 50, no. 1 (2014): 120–49. http://dx.doi.org/10.2753/ree1540-496x500107.

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Lam, Regan, and Suzan Burton. "SME banking loyalty (and disloyalty): a qualitative study in Hong Kong." International Journal of Bank Marketing 24, no. 1 (2006): 37–52. http://dx.doi.org/10.1108/02652320610642335.

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Narteh, Bedman. "SME bank selection and patronage behaviour in the Ghanaian banking industry." Management Research Review 36, no. 11 (2013): 1061–80. http://dx.doi.org/10.1108/mrr-06-2012-0147.

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Stanger, Anthony M. J. "Developments and Trends in SME Banking Services Since the Wallis Report." Small Enterprise Research 11, no. 1 (2003): 40–55. http://dx.doi.org/10.5172/ser.11.1.40.

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M. Johari, Sobar, and Ihzan Andrian Bungas. "The Effectiveness Of Islamic Banking Financing In Enhancing Economic Growth In Sumenep Regency." International Journal of Science, Technology & Management 6, no. 3 (2025): 537–43. https://doi.org/10.46729/ijstm.v6i3.1298.

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This study investigates the effectiveness of Islamic banking financing in enhancing economic growth in Sumenep Regency. Islamic banking plays a significant role in providing Sharia-compliant financing solutions, especially for Small and Medium Enterprises (SMEs) that form the backbone of the local economy. The research employs a mixed-methods approach combining quantitative and qualitative data collected from Islamic banking institutions and regional economic statistics between 2018 and 2023. Quantitative analysis utilizes multiple regression models to measure the impact of Islamic financing s

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Naeem, Muhammad. "Uncovering and Addressing the Challenges in the Adoption of E-Procurement System." International Journal of Information Systems and Supply Chain Management 14, no. 1 (2021): 1–22. http://dx.doi.org/10.4018/ijisscm.2021010101.

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Small businesses have many challenges that must be resolved before adoption of e-procurement systems. The present study aims to understand the various financial, technological, educational, organizational, banking, and customers challenges in the adoption of e-procurement system in SME. Based on these challenges, this study has recommended how SME can adopt e-procurement systems. The study followed an interpretivist approach based on qualitative design using 30 non-directive and semi-structured interviews from the various stakeholders of SME. Results reveal the financial, technological, educat

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Rasheed, Rabia, Sulaman Hafeez Siddiqui, and Muhammad Arif. "SMEs Behavioral Intention towards Usage of Financial Products: A Comparative Study of Islamic and Conventional Banks in Pakistan." Sustainable Business and Society in Emerging Economies 4, no. 1 (2022): 141–50. http://dx.doi.org/10.26710/sbsee.v4i1.2203.

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    Purpose: This study has emphasized that understanding SMEs’ financial behavior towards Islamic/conventional banking products is prerequisite for policy makers and managers of banking and non-banking financial institutions. Design/Methodology/Approach: A conceptual framework has been discussed in present study to understand financial behavior of SMEs towards adoption of conventional or Islamic financial products. Moreover, to identify the determinants of SMEs owner-managers behavioral intention which influence their financial decisions towards adoption of Islam

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Dhanorkar, Tejas, Vijaya Bhaskara Rao Kotapati, and Swaminathan Sethuraman. "Programmable Banking Rails:." Journal of Knowledge Learning and Science Technology ISSN: 2959-6386 (online) 4, no. 1 (2025): 121–29. https://doi.org/10.60087/jklst.v4.n1.013.

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While open banking APIs democratized financial data access, their static, read-only nature limits innovation in an era demanding dynamic, user-controlled banking experiences. This paper introduces programmable banking rails—a paradigm shift enabling fintechs and developers to embed customizable logic (e.g., automated rules, event-driven triggers, and blockchain-based smart contracts) directly into bank core systems via secure, API-driven micro-services. Through case studies in the EU/UK, Brazil, and Australia, we analyze emergent governance models balancing innovation with systemic risk, zero-

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Mol-Gómez-Vázquez, Ana, Ginés Hernández-Cánovas, and Johanna Koëter-Kant. "Do foreign banks intensify borrower discouragement? The role of developed European institutions in ameliorating SME financing constraints." International Small Business Journal: Researching Entrepreneurship 38, no. 1 (2019): 3–20. http://dx.doi.org/10.1177/0266242619868231.

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The growing activity of foreign banks in most European countries may increase financing constraints by intensifying the problem of borrower discouragement. We provide new evidence of this association by analysing a sample of small and medium-sized enterprises (SMEs) operating in 25 developed and developing European countries. We find that financing constraints increase with foreign banks for those SMEs operating in countries where the share of banking assets owned by foreign banks is above 34%. Our results also show that borrower discouragement may decrease, or increase less, with the presence

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Madill, Judith J., Lisa Feeney, Alan Riding, and George H. Haines. "Determinants of SME owners’ satisfaction with their banking relationships: a Canadian study." International Journal of Bank Marketing 20, no. 2 (2002): 86–98. http://dx.doi.org/10.1108/02652320210419698.

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Abubakar, Abbas Said, and Dr Josiah Aduda. "ISLAMIC BANKING AND INVESTMENT FINANCING: A CASE OF ISLAMIC BANKING IN KENYA." International Journal of Finance 2, no. 1 (2017): 66. http://dx.doi.org/10.47941/ijf.42.

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Purpose: The purpose of this study was to establish the effect of Islamic banking on investment financing in Islamic banks in Kenya.Methodology: This study employed descriptive survey design. The population of this research consisted of 8 commercial banks offering Shariah compliant products. The study used secondary data for the period 2009 to 2012. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results were presented in frequency tables and figures. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The st

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Hariyanti, Hariyanti, Christophorus Indra Wahyu Putra, Muhammad Yusuf, Agus Suhendra, and Mochammad Subagio. "Financial Management: How Banking Systems Support SMEs Sustainability (Literature Review)." Greenation International Journal of Economics and Accounting 2, no. 2 (2024): 126–38. https://doi.org/10.38035/gijea.v2i2.196.

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Relevant articles on financial management The scientific article How Banking Systems Support SME Sustainability is a review of the literature within the field of financial management science. The purpose of this paper is to develop a hypothesis regarding the connection between elements, which can be applied to more financial management research. Descriptive qualitative methodology is applied in this work. Previous research that are still pertinent to this one provided the data used in this one. Academic media, credible journals, and academic platforms including Scopus Elsevier journals, Emeral

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Grzelak, Marcin. "The Hold-up Problem and Banking Relationships: Evidence from the Polish SME Sector." Prague Economic Papers 28, no. 6 (2019): 670–87. http://dx.doi.org/10.18267/j.pep.727.

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Hamada, Miki. "Impact of Foreign Bank Entry on SME Credit in the Indonesian Banking Sector." Southeast Asian Economies 35, no. 1 (2018): 50–78. http://dx.doi.org/10.1355/ae35-1f.

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Ondolos, Nigel Kollin, Jasman Tuyon, and Rozita Uji Mohammed. "A Conceptual Framework for Bounded Rationality in Bank Officers’ Credit Decision for SME Lending in Malaysia." Asia-Pacific Management Accounting Journal 16, no. 3 (2021): 159–89. http://dx.doi.org/10.24191/apmaj.v16i3-07.

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Based on the Bounded Rational Theory, ideally, bank credit officers would be influenced by both rational (fundamental factors) and irrational (behavioural factors) in their credit assessment and decision making process. Emphasizing on the irrational decision making perspective, behavioural factors distort the credit decision making process in the banking industry. Despite such evidence, the psychology perspectives in bank lending practice has been given little attention in research and neglected in practice and policy perspectives. This conceptual research investigated the role of irrationalit

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Garba, Murtala, and Usman Ahmed Hafiz. "Acceptance of Interest-Free Banking among Small and Medium Enterprises: A Structural Equation Model." Vol.3, Issue 2, Dec 2022 3, no. 2 (2022): 25–37. http://dx.doi.org/10.55862/asbjv3i2a004.

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Interest-free banking in Nigeria is evolving, which is supposed to be solid and ready to compete with conventional commercial banks that have dominated the market for more than a century. SMEs had difficulty in getting the funding they required to grow. The study examines the determinants of SMEs' acceptance of interest-free banking in Nigeria. The study used purposive sampling and adapted a questionnaire to collect data from a sample of 323 SMEs registered with the Small and Medium Enterprise Development Agency of Nigeria (SMEDAN). A structural equation modelling via analysis of moment struct

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Rosalinda, Chichi, Idris Idris, and Perengki Susanto. "Driving SMES towards Green Business: The Impact of Sustainable Marketing Mix on Performance and Loyalty in BNI'S Go Green Movement." Journal of Ecohumanism 3, no. 7 (2024): 4190–202. http://dx.doi.org/10.62754/joe.v3i7.4538.

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Growing global concerns over environmental issues, such as climate change and pollution, have heightened the demand for sustainable business practices, particularly in the banking sector. Financial institutions support environmental sustainability through green finance by offering eco-friendly products like green loans and bonds. This study examines how BNI's Go-Green initiative enhances SME customer loyalty by incorporating the sustainable marketing mix, focusing on people, profit, and planet. A quantitative approach was used to assess the impact of the sustainable marketing mix on SME perfor

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